Enabeeefasi Ke Liye Banking License Lena Aasaan Naheen Hoga

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Enabeeefasi Ke Liye Banking License Lena Aasaan Naheen Hoga

shilpi sinha Mumbai banking license haasil karne ke maksad se naun-banking finance companiyon (enabeeefasi) ke liye financial inakloojan aur rooral branch network jaisi jaroori shartein poori karna aasaan naheen hoga. Graameen ilaakon mein jyaadaatar enabeeefasi ki maujoodagi 10 feesadi se bhi kam hai. L finance, mahindra end mahindra financial services, shreeraam transport finance aur elaaaisi housing finance jaisi enabeeefasi banking license ke liye aplaai karne waali hain. Ye companiyaan rooral kastamars ko services day rahi hain, lekin aise ilaakon mein inki branch naheen hain. RBI ki shart ke mutaabik nae bankon ko kam se kam 25 feesadi branch graameen ilaakon mein kholani haanegi. Aise graameen ilaakon ki aabaadi 10,000 se neeche honi chaahiye. Isse in ilaakon mein achhi maujoodagi waali enabeeefasi ko bhi dikkatein aa sakti hain. Mahindra finance mein maarketing aur straiteji ke head aar Balaji ne kaha, 'Reguletar ko branch ke lokeshan par jor dena chaahiye na ki kastamars ke lokeshan par. Hamaare enplauyeej hand held divaais ke jariye kastamars tak pahunch jaate hain. ' mahindra ki 650 branch hain. Inmein se jyaadaatar tier-2 aur tier-3 shaharon mein hain. Graameen ilaakon mein kastamars ke paas jaane vaale iske 11,000 enplauyeej hain. Truck faaineinsar shreeraam transport ki 530 branch hain aur 350 rooral touch pvaaints hain. In touch pvaaints mein ek ya da log hote hain, jo ghar se ya ek kamre ke office se kaam karte hain. Shreeraam transport finance ke emadi end CEO Umesh revanakar ne kaha, 'Graameen ilaakon mein hamaari braanchej naheen hain, lekin ham rooral seintars se oparet karte hain, jo hamaari braanchej se kanekted hain. ' elaaaisi housing finance services apne 7,000 hom loan ejeints aur kastamar rileshanaship esosiyets ke jariye rooral kastamars ko services deti hai. Lekin graameen ilaakon mein iski branch naheen hai. Iski 190 branch hain, jinmein se jyaadaatar semi-urban aur urban area mein hain. Isi tarah L finance ki shaharon mein 93 branch hain. Iske 231 rooral touch pvaaints hain. Jahaan bank naheen hain, vaise ilaakon mein pahunchana aur 25 feesadi graameen maujoodagi pakka karna enabeeefasi ke liye badi chunauti ho sakti hai. RBI ne nae bankon ke liye ye shartein isliye rakhi hai taaki financial inakloojan ke proses mein teji laai ja sake. Bhaarat mein aabaadi ke ek bade hisse ki pahunch banking services tak naheen hai. March mein RBI ne private sector ki companiyon aur enabeeefasi ko bank license ke liye aplaai karne ki ijaajat di thi. Iske liye unhein poore maalikaana hak waali aur naun-oparetiv financial holding ke jariye aplaai karna hoga.

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